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Tiimely (formerly known as Tic:Toc) home loans

Tiimely has home loans for owner-occupiers and investors, with rates starting from 5.94%.

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Tiimely is an online Australian fintech lender. Tiimely has home loans for investors and owner-occupiers, and offers a fast online application process. Plus, it offers a unique rate match offer where if you see the same loan for a lower rate, Tiimely will match it. Check out the full table of Tiimely products below or read more about the lender and its loans.

Compare Tiimely home loans for May 2024

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".

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Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
Principal & Interest10% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest 1Y Fixed10% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Finder AwardPrincipal & Interest10% min. depositOwner-occupierOffset accountwith offset
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Principal & Interest 1Y Fixed10% min. depositInvestment
Interest Rate
Comparison Rate
Application: $0
Ongoing: $0 p.a.
Monthly Payment
Showing 5 of 18 results

Tiimely key facts

  • Tiimely's home loan rates are lower than the market average and have very low fees.
  • Tiimely is an online-only lender backed by Bendigo and Adelaide Bank.
  • You only need a 10% deposit for most Tiimely home loans, which is good news for borrowers with small deposits.

Review by our senior home loans writer Richard Whitten

Congratulations, Tiimely!

Tiimely received the following awards in the 2024 Product Awards:

  • 'Ower Occupier Home Loan - Variable' - Winner
  • 'First Home Buyer Home Loan' - Winner
  • 'Owner Occupier Home Loan - Refinance Variable' - Winner
  • 'Provider of the Year - Home Loans - Highly Commended
  • 'Owner Occupier Home Loan - 3 Year Fixed' - Highly Commended
  • 'Owner Occupier Home Loan - Refinance Fixed' - Highly Commended
  • 'Investor Home Loan - IO - 3 Year Fixed' - Highly Commended
  • 'Investor Home Loan - P&I - Variable' - Highly Commended
Full list of 2024 winners

Tiimely home loan features

Here are the key features and details you need to know about Tiimely's mortgage products.

Minimum depositMost Tiimely loans have 90% maximum LVRs. This means you can get a loan with just a 10% deposit.
Offset accountYou can add an offset account to a Tiimely loan but you have to pay a $10 monthly fee.
FeesTiimely loans have very low fees, including no application fees. This could save you hundreds of dollars in loan costs.
Online applicationTiimely is a completely online lender, with phone and chat support. The lender uses a digital technology platform to speed up the application process (if you have all your identity and property information in order).
Repayment optionsBoth Tiimely's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for a Tiimely mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.


Each Tiimely product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Tiimely, you are required to provide certain information, so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (such as savings accounts and investments) and liabilities (for example, any outstanding debt you may have).

How to apply for a home loan

Tiimely's rate match promise

From 1 June 2022, if you see an identical variable P&I home loan product to Tiimely's offering, but it's at a lower interest rate, Tiimely will match the lower rate.

The offer is for customers eligible for a Tiimely Owner Occupier or Investment home loan, whether you're purchasing or refinancing from another lender.

The lower rate home loan must be identical to the material features of the Tiimely loan and must be an existing offer.

Lenders like Tiimely

If you want to compare loans from lenders similar to Tiimely, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • UBank. A digital bank owned by NAB.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • A Brisbane-based online lender, is backed by Firstmac, Australia's largest non-bank lender.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.
  • 86 400. A digital bank that also offers home loans and has a very convenient app.

More home loan questions

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